2465 Encinal Dr, Walnut Creek, CA 94597 Property Records

Contra Costa County property record for 2465 Encinal Dr, Walnut Creek, CA 94597

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,509 sqft · built 1949
Lot Size	0.265 acres (11,550 sqft)
Owner	Individual Name on File
Last Sale	$712,000 (Mar 2016)
Tax Bill	$10,422 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171-271-004-3`

Property Details

APN / Parcel Number

Primary APN	`171-271-004-3`
Alternative APN	`171-271-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,509 sqft Living Area
1st Floor Area	1,509 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1951
Lot Area	11,550 sqft (0.265 acres)
Lot Dimensions	154 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	2465 ENCINAL DR
City	WALNUT CREEK
State	CA
Zip	94597-3126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	SAN LUIS GARDENS LOT 4
Legal Subdivision	SAN LUIS GARDENS
Legal Lot Number	4
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4008
Census Tract	340001

Owner

2465 Encinal Dr is owned and occupied by an individual who bought it in March 2016.

Source: Contra Costa County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2465 ENCINAL DR, WALNUT CREEK, CA 94597-3126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2016 · Amount on File
Deed Sale	Mar 25, 2016 · Amount on File
Deed Document Number	201652000
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2465 ENCINAL DR, WALNUT CREEK, CA 94597-3126
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2465 ENCINAL DR, WALNUT CREEK, CA 94597-3126

Mortgage

Document Number	0000018757
Date	Jan 31, 2022
Instrument	2022-018757

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2465 ENCINAL DR, WALNUT CREEK, CA 94597-3126
Document Number	0000063199
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2465 ENCINAL DR WALNUT CREEK CA 945973126, WALNUT CREEK, CA 94597-3126

Mortgage

Document Number	0000063199
Date	Apr 2, 2020
Instrument	63199

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2465 ENCINAL DR, WALNUT CREEK, CA 94597-3126
Document Number	0000001459
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2465 ENCINAL DR WALNUT CREEK CA 945973126, WALNUT CREEK, CA 94597-3126

Mortgage

Document Number	0000001459
Date	Jan 5, 2018
Instrument	1459

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2465 Encinal Dr was $10,422.

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Walnut Creek City
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Walnut Creek Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$859,713 (+2%) Land $748,630 Building $111,083
2025	$10,422.00	$842,856 Land $733,951 Building $108,905
2023	$10,033.00 (+2.19%)	$810,128 Land $705,451 Building $104,677
2022	$9,818.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 2465 Encinal Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1982–1986)
Most Recent Claim	Feb 1986 · Severe Storms & Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2465 Encinal Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 532 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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